“Can seQura become the default flexible-payments and BNPL infrastructure for southern European merchants by embedding its credit engine into every major PSP and e-commerce platform?”
Founded in 2013, seQura built a proprietary credit-decision algorithm to serve southern European markets where API-based credit bureau checks were unavailable. The company expanded its product range from simple BNPL to a broader flexible-payments platform covering pay-later, instalment plans (3–24 months), and vertical-specific financing for education and optical markets. In 2024 it partnered with Stripe to scale distribution and expose seQura as a payment method on the Stripe network across Spain, pivoting from purely merchant-direct integrations to a platform/PSP-embedded model.
Sequra processes payments through Stripe and Checkout.com.
Sequra connects to bank accounts through Trustly.
The Embedded Finance Index 2026 maps 3 layers in Sequra's stack: Payments / PSP (Stripe and Checkout.com); Lending (BNPL – Pay Later (7 days post-shipment), Pay Later PP5 (30–45 days), Pay in 3 interest-free, Flexi instalment (3–24 months) and 2 others); Open banking (Trustly).
Sequra is founded in 2013 and headquartered in Barcelona, Spain.
Get a read on where your own stack stands against Sequra and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.